Share Price and Basic Stock Data
Last Updated: January 17, 2026, 9:12 am
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
ESAF Small Finance Bank Ltd operates within the private sector banking industry, focusing primarily on providing financial services to underbanked populations. The bank reported a market capitalization of ₹1,339 Cr and a share price of ₹26.0. Revenue has shown a consistent upward trajectory, increasing from ₹688 Cr in September 2022 to ₹943 Cr by September 2023. The revenue continued to grow, reaching ₹1,022 Cr in June 2024. This upward trend highlights the bank’s effective customer acquisition strategies and growing product offerings. However, the revenue growth is juxtaposed with a decline in financing profit margins, which stood at a low of -37% by September 2025. The increase in revenues is promising; however, the bank must address its profitability challenges to sustain growth. The overall revenue mix also reflects the bank’s focus on interest income, which grew from ₹251 Cr in September 2022 to ₹347 Cr by September 2023, demonstrating effective interest rate management and customer engagement.
Profitability and Efficiency Metrics
Despite the revenue growth, ESAF Small Finance Bank reported a net profit of -₹591 Cr for the financial year ending March 2025, a stark contrast to the positive net profit of ₹302 Cr in March 2023. The bank’s profitability metrics indicate significant fluctuations, with the Return on Equity (ROE) standing at 23.5% but projected to decline to -23% in March 2025. This volatility raises concerns about the bank’s efficiency in converting equity into profits. The bank’s net profit margin was reported at -13.49%, reflecting the challenges in controlling costs amid rising expenses, which reached ₹3,152 Cr in March 2025. Furthermore, the Cost to Income ratio was alarmingly high at 77.88%, indicating inefficiencies in operational expenditures relative to income generation. The bank’s financing margin has been inconsistent, peaking at 12% in September 2023 but falling to -37% by September 2025, necessitating a reassessment of its financial strategies to stabilize profitability.
Balance Sheet Strength and Financial Ratios
ESAF Small Finance Bank’s balance sheet reveals a total asset base of ₹27,178 Cr as of March 2025, with significant growth from ₹20,224 Cr in March 2023. Equity capital stood at ₹515 Cr, while reserves declined to ₹1,434 Cr in March 2025 from ₹1,977 Cr in March 2024, signaling potential liquidity concerns. The bank’s borrowings were recorded at ₹1,406 Cr, contributing to a leverage ratio that may raise red flags among investors. The bank’s Gross Non-Performing Assets (NPA) ratio increased to 8.54% by September 2025, indicating deteriorating asset quality, which is significantly higher than the typical sector range, suggesting a need for stricter credit assessments. Additionally, the Price to Book Value (P/BV) ratio stood at 0.64, indicating that the stock is undervalued compared to its book value, but this also reflects market skepticism regarding the bank’s future profitability and asset quality.
Shareholding Pattern and Investor Confidence
The shareholding pattern of ESAF Small Finance Bank indicates a strong promoter holding of 63.30%, which can instill confidence among investors regarding the management’s commitment to growth. However, foreign institutional investors (FIIs) hold a mere 0.16%, while domestic institutional investors (DIIs) account for 5.00%, which is relatively low for a bank of this size. The public shareholding stood at 31.53%, reflecting a moderate level of retail investor participation. The number of shareholders has fluctuated, with a reported count of 113,955 as of September 2025, which indicates a steady interest among retail investors. The gradual decline in FIIs and DIIs suggests a cautious outlook from institutional players, likely influenced by the bank’s recent financial performance and high NPA levels. This lack of institutional support could pose challenges for the bank in raising future capital or enhancing its market position.
Outlook, Risks, and Final Insight
The outlook for ESAF Small Finance Bank remains cautiously optimistic, contingent on its ability to rectify profitability issues and manage asset quality effectively. The bank’s strong revenue growth and substantial market capitalization are positive indicators; however, the high NPA ratio and negative net profits present significant risks. If the bank can successfully implement strategies to improve its cost structure and enhance lending practices, it may regain investor confidence and stabilize its financial performance. Conversely, continued deterioration in asset quality or failure to manage operational expenses could further erode profitability and market standing. Overall, while the bank possesses strengths in revenue generation and promoter backing, it faces critical challenges that need to be addressed to ensure long-term sustainability and growth in the competitive banking landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,912 Cr. | 230 | 339/180 | 23.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,493 Cr. | 29.0 | 38.4/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,190 Cr. | 262 | 331/249 | 8.80 | 307 | 1.53 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 73,615 Cr. | 23.5 | 24.3/16.0 | 23.2 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,702 Cr. | 60.4 | 60.8/30.8 | 28.1 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,099.91 Cr | 352.27 | 18.56 | 213.57 | 0.59% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 688 | 701 | 774 | 899 | 943 | 974 | 1,002 | 1,022 | 995 | 950 | 892 | 828 | 820 |
| Interest | 251 | 250 | 275 | 313 | 347 | 377 | 411 | 434 | 456 | 463 | 458 | 450 | 456 |
| Expenses | 425 | 481 | 457 | 505 | 487 | 567 | 682 | 619 | 834 | 881 | 820 | 682 | 665 |
| Financing Profit | 12 | -30 | 42 | 81 | 109 | 30 | -91 | -30 | -294 | -394 | -386 | -304 | -301 |
| Financing Margin % | 2% | -4% | 5% | 9% | 12% | 3% | -9% | -3% | -30% | -42% | -43% | -37% | -37% |
| Other Income | 65 | 81 | 94 | 93 | 79 | 120 | 150 | 115 | 40 | 112 | 145 | 195 | 145 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 77 | 51 | 136 | 174 | 188 | 150 | 59 | 85 | -255 | -282 | -241 | -109 | -155 |
| Tax % | 25% | 27% | 26% | 25% | 26% | 25% | 26% | 26% | -25% | -25% | -24% | -26% | -25% |
| Net Profit | 58 | 37 | 101 | 130 | 140 | 112 | 43 | 63 | -190 | -211 | -183 | -81 | -116 |
| EPS in Rs | 1.28 | 0.83 | 2.26 | 2.89 | 3.12 | 2.18 | 0.84 | 1.22 | -3.69 | -4.09 | -3.55 | -1.58 | -2.25 |
| Gross NPA % | 8.11% | 7.24% | 2.49% | 1.65% | 2.64% | 4.16% | 4.76% | 6.61% | 6.98% | 6.96% | 6.87% | 7.48% | 8.54% |
| Net NPA % | 4.34% | 3.73% | 1.13% | 0.81% | 1.19% | 2.19% | 2.26% | 3.22% | 2.98% | 2.97% | 2.99% | 3.77% | 3.83% |
Last Updated: December 27, 2025, 2:06 am
Below is a detailed analysis of the quarterly data for ESAF Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 456.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 450.00 Cr. (Jun 2025) to 456.00 Cr., marking an increase of 6.00 Cr..
- For Expenses, as of Sep 2025, the value is 665.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 682.00 Cr. (Jun 2025) to 665.00 Cr., marking a decrease of 17.00 Cr..
- For Other Income, as of Sep 2025, the value is 145.00 Cr.. The value appears to be declining and may need further review. It has decreased from 195.00 Cr. (Jun 2025) to 145.00 Cr., marking a decrease of 50.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is -155.00 Cr.. The value appears to be declining and may need further review. It has decreased from -109.00 Cr. (Jun 2025) to -155.00 Cr., marking a decrease of 46.00 Cr..
- For Tax %, as of Sep 2025, the value is -25.00%. The value appears to be increasing, which may not be favorable. It has increased from -26.00% (Jun 2025) to -25.00%, marking an increase of 1.00%.
- For Net Profit, as of Sep 2025, the value is -116.00 Cr.. The value appears to be declining and may need further review. It has decreased from -81.00 Cr. (Jun 2025) to -116.00 Cr., marking a decrease of 35.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is -2.25. The value appears to be declining and may need further review. It has decreased from -1.58 (Jun 2025) to -2.25, marking a decrease of 0.67.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:46 am
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 29 | 597 | 1,032 | 1,413 | 1,641 | 1,940 | 2,854 | 3,819 | 3,862 | 3,490 |
| Interest | 16 | 315 | 458 | 621 | 720 | 793 | 1,017 | 1,449 | 1,811 | 1,827 |
| Expenses | 31 | 357 | 538 | 646 | 879 | 1,248 | 1,676 | 2,190 | 3,152 | 3,048 |
| Financing Profit | -18 | -75 | 35 | 146 | 43 | -101 | 160 | 180 | -1,101 | -1,385 |
| Financing Margin % | -61% | -13% | 3% | 10% | 3% | -5% | 6% | 5% | -28% | -40% |
| Other Income | 19 | 102 | 109 | 133 | 127 | 208 | 288 | 442 | 467 | 597 |
| Depreciation | 0 | 0 | 17 | 23 | 29 | 33 | 42 | 51 | 59 | 0 |
| Profit before tax | 1 | 27 | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -788 |
| Tax % | 0% | 0% | 29% | 26% | 25% | 26% | 26% | 25% | -25% | |
| Net Profit | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -591 |
| EPS in Rs | 0.03 | 0.87 | 2.11 | 4.45 | 2.34 | 1.22 | 6.73 | 8.27 | -10.12 | -11.47 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 8% | 0% |
YoY Net Profit Growth
| Year | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 2600.00% | 233.33% | 111.11% | -44.74% | -47.62% | 449.09% | 41.06% | -222.30% |
| Change in YoY Net Profit Growth (%) | 0.00% | -2366.67% | -122.22% | -155.85% | -2.88% | 496.71% | -408.03% | -263.36% |
ESAF Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.
Growth
Last Updated: September 5, 2025, 3:26 pm
Balance Sheet
Last Updated: January 7, 2026, 5:25 pm
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 302 | 312 | 428 | 428 | 449 | 449 | 449 | 515 | 515 | 516 |
| Reserves | 4 | 31 | 466 | 656 | 903 | 962 | 1,266 | 1,977 | 1,434 | 1,233 |
| Deposits | 409 | 2,523 | 4,317 | 7,028 | 8,999 | 12,815 | 14,666 | 19,868 | 23,276 | 22,894 |
| Borrowing | 2,053 | 1,675 | 1,702 | 1,203 | 1,694 | 2,953 | 3,354 | 3,223 | 1,406 | 2,113 |
| Other Liabilities | 227 | 183 | 145 | 154 | 293 | 528 | 489 | 505 | 547 | 374 |
| Total Liabilities | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 27,129 |
| Fixed Assets | 33 | 69 | 86 | 116 | 133 | 159 | 188 | 205 | 237 | 435 |
| CWIP | 0 | 0 | 4 | 4 | 6 | 0 | 0 | 3 | 63 | 0 |
| Investments | 579 | 732 | 1,531 | 1,734 | 1,932 | 4,070 | 4,889 | 5,541 | 5,995 | 6,396 |
| Other Assets | 2,382 | 3,924 | 5,438 | 7,616 | 10,268 | 13,478 | 15,147 | 20,338 | 20,883 | 20,298 |
| Total Assets | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 27,129 |
Below is a detailed analysis of the balance sheet data for ESAF Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 516.00 Cr.. The value appears strong and on an upward trend. It has increased from 515.00 Cr. (Mar 2025) to 516.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 1,233.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,434.00 Cr. (Mar 2025) to 1,233.00 Cr., marking a decrease of 201.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 374.00 Cr.. The value appears to be improving (decreasing). It has decreased from 547.00 Cr. (Mar 2025) to 374.00 Cr., marking a decrease of 173.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 27,129.00 Cr.. The value appears to be improving (decreasing). It has decreased from 27,178.00 Cr. (Mar 2025) to 27,129.00 Cr., marking a decrease of 49.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 435.00 Cr.. The value appears strong and on an upward trend. It has increased from 237.00 Cr. (Mar 2025) to 435.00 Cr., marking an increase of 198.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 63.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 63.00 Cr..
- For Investments, as of Sep 2025, the value is 6,396.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,995.00 Cr. (Mar 2025) to 6,396.00 Cr., marking an increase of 401.00 Cr..
- For Other Assets, as of Sep 2025, the value is 20,298.00 Cr.. The value appears to be declining and may need further review. It has decreased from 20,883.00 Cr. (Mar 2025) to 20,298.00 Cr., marking a decrease of 585.00 Cr..
- For Total Assets, as of Sep 2025, the value is 27,129.00 Cr.. The value appears to be declining and may need further review. It has decreased from 27,178.00 Cr. (Mar 2025) to 27,129.00 Cr., marking a decrease of 49.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -378.00 | 355.00 | 534.00 | 639.00 | 871.00 | -11.00 | -13.00 | -17.00 | -20.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 8% | 15% | 19% | 9% | 4% | 19% | 20% | -23% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Motilal Oswal Nifty Microcap 250 Index Fund | 142,909 | 0.05 | 0.74 | 142,909 | 2025-04-22 15:56:50 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -10.13 | 8.96 | 6.73 | 1.22 | 2.46 |
| Diluted EPS (Rs.) | -10.12 | 8.94 | 6.71 | 1.22 | 2.46 |
| Cash EPS (Rs.) | -8.97 | 9.26 | 7.66 | 1.95 | 2.98 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 37.81 | 48.41 | 38.16 | 31.41 | 30.08 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 37.81 | 48.41 | 38.16 | 31.41 | 30.08 |
| Dividend / Share (Rs.) | 0.70 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Revenue / Share (Rs.) | 74.93 | 74.17 | 63.49 | 43.16 | 36.51 |
| Net Profit / Share (Rs.) | -10.12 | 8.27 | 6.73 | 1.22 | 2.34 |
| Interest Income / Employee (Rs.) | 3084840.26 | 6399240.49 | 5668770.36 | 4684678.82 | 4315469.37 |
| Net Profit / Employee (Rs.) | -416445.29 | 713202.11 | 600582.04 | 132170.49 | 277139.10 |
| Business / Employee (Rs.) | 32990664.54 | 63953268.31 | 56793714.74 | 59048725.67 | 45140709.97 |
| Interest Income / Branch (Rs.) | 49075222.36 | 50709519.26 | 40766557.14 | 33737834.78 | 29839509.09 |
| Net Profit / Branches (Rs.) | -6625025.41 | 5651629.48 | 4319042.86 | 951857.39 | 1916290.91 |
| Business / Branches (Rs.) | 524832426.94 | 506785062.42 | 408427942.86 | 425253518.26 | 312127490.91 |
| Net Profit Margin (%) | -13.49 | 11.14 | 10.59 | 2.82 | 6.42 |
| Operating Profit Margin (%) | -20.70 | 15.13 | 14.23 | 4.04 | 10.05 |
| Return On Assets (%) | -1.91 | 1.63 | 1.49 | 0.30 | 0.85 |
| Return On Equity / Networth (%) | -26.75 | 17.07 | 17.62 | 3.87 | 7.79 |
| Net Interest Margin (X) | 7.54 | 9.08 | 9.08 | 6.47 | 7.46 |
| Cost To Income (%) | 77.88 | 58.64 | 57.92 | 63.69 | 60.30 |
| Interest Income / Total Assets (%) | 14.21 | 14.63 | 14.11 | 10.95 | 13.30 |
| Non-Interest Income / Total Assets (%) | 1.71 | 1.69 | 1.42 | 1.17 | 1.02 |
| Operating Profit / Total Assets (%) | -3.63 | -0.06 | 0.07 | -0.86 | -0.16 |
| Operating Expenses / Total Assets (%) | 7.21 | 6.32 | 6.08 | 4.87 | 5.12 |
| Interest Expenses / Total Assets (%) | 6.66 | 5.55 | 5.03 | 4.47 | 5.83 |
| Enterprise Value (Rs.Cr.) | 24595.08 | 24515.80 | 0.00 | 0.00 | 0.00 |
| EV Per Net Sales (X) | 6.37 | 6.42 | 0.00 | 0.00 | 0.00 |
| Price To Book Value (X) | 0.64 | 1.12 | 0.00 | 0.00 | 0.00 |
| Price To Sales (X) | 0.32 | 0.73 | 0.00 | 0.00 | 0.00 |
| Retention Ratios (%) | 106.91 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | -0.41 | 0.15 | 0.00 | 0.00 | 0.00 |
After reviewing the key financial ratios for ESAF Small Finance Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is -10.13. This value is below the healthy minimum of 5. It has decreased from 8.96 (Mar 24) to -10.13, marking a decrease of 19.09.
- For Diluted EPS (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 5. It has decreased from 8.94 (Mar 24) to -10.12, marking a decrease of 19.06.
- For Cash EPS (Rs.), as of Mar 25, the value is -8.97. This value is below the healthy minimum of 3. It has decreased from 9.26 (Mar 24) to -8.97, marking a decrease of 18.23.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
- For Dividend / Share (Rs.), as of Mar 25, the value is 0.70. This value is below the healthy minimum of 1. It has increased from 0.00 (Mar 24) to 0.70, marking an increase of 0.70.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 2. It has decreased from 8.27 (Mar 24) to -10.12, marking a decrease of 18.39.
- For Net Profit Margin (%), as of Mar 25, the value is -13.49. This value is below the healthy minimum of 5. It has decreased from 11.14 (Mar 24) to -13.49, marking a decrease of 24.63.
- For Return On Assets (%), as of Mar 25, the value is -1.91. This value is below the healthy minimum of 5. It has decreased from 1.63 (Mar 24) to -1.91, marking a decrease of 3.54.
- For Retention Ratios (%), as of Mar 25, the value is 106.91. This value exceeds the healthy maximum of 70. It has increased from 100.00 (Mar 24) to 106.91, marking an increase of 6.91.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in ESAF Small Finance Bank Ltd:
- Net Profit Margin: -13.49%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 18.56)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -13.49%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | Building No.VII/83/8, Thrissur/Trichur Kerala 680651 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Ravimohan Periyakavil Ramakrishnan | Non Exe. Ind. Part Time Chairman |
| Dr. Kadambelil Paul Thomas | Managing Director & CEO |
| Mr. George K John | Executive Director |
| Dr. Joseph Vadakkekara Antony | Non Executive Director |
| Mr. Biju Varkkey | Ind. Non-Executive Director |
| Mr. Ravi Venkatraman | Ind. Non-Executive Director |
| Mr. Vinod Vijayalekshmi Vasudevan | Ind. Non-Executive Director |
| Mr. Thomas Jacob Kalappila | Ind. Non-Executive Director |
| Mr. John Samuel | Non Exe. & Nominee Director |
| Mr. Ajayan Mangalath Gopalakrishnan Nair | Non Exe. & Nominee Director |
| Mrs. Kolasseril Chandramohanan Ranjani | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of ESAF Small Finance Bank Ltd?
ESAF Small Finance Bank Ltd's intrinsic value (as of 18 January 2026) is ₹57.78 which is 99.24% higher the current market price of ₹29.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,493 Cr. market cap, FY2025-2026 high/low of ₹38.4/24.3, reserves of ₹1,233 Cr, and liabilities of ₹27,129 Cr.
What is the Market Cap of ESAF Small Finance Bank Ltd?
The Market Cap of ESAF Small Finance Bank Ltd is 1,493 Cr..
What is the current Stock Price of ESAF Small Finance Bank Ltd as on 18 January 2026?
The current stock price of ESAF Small Finance Bank Ltd as on 18 January 2026 is ₹29.0.
What is the High / Low of ESAF Small Finance Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of ESAF Small Finance Bank Ltd stocks is ₹38.4/24.3.
What is the Stock P/E of ESAF Small Finance Bank Ltd?
The Stock P/E of ESAF Small Finance Bank Ltd is .
What is the Book Value of ESAF Small Finance Bank Ltd?
The Book Value of ESAF Small Finance Bank Ltd is 33.9.
What is the Dividend Yield of ESAF Small Finance Bank Ltd?
The Dividend Yield of ESAF Small Finance Bank Ltd is 0.00 %.
What is the ROCE of ESAF Small Finance Bank Ltd?
The ROCE of ESAF Small Finance Bank Ltd is 4.28 %.
What is the ROE of ESAF Small Finance Bank Ltd?
The ROE of ESAF Small Finance Bank Ltd is 23.5 %.
What is the Face Value of ESAF Small Finance Bank Ltd?
The Face Value of ESAF Small Finance Bank Ltd is 10.0.